Central Bank Digital Currencies (CBDCs) are being marketed as the pinnacle of financial modernization—promising convenience, inclusion, and streamlined payments. But beneath the glossy mockups and cheerful user-experience demos lies a far more sinister agenda: the total overhaul of money itself into an instrument of centralized control. In The Dark Future of CBDCs, seasoned analyst Alex Morgan—sardonic, blunt, and uncompromising—peels back the veneer of progress to reveal how programmable currency can be weaponized to monitor, manipulate, and ultimately dictate every facet of your life.

From China’s pilot programs that ration calories through e-wallets to Western proposals for “conditional stimulus” requiring digital compliance, Morgan documents real-world case studies that expose how governments plan to enforce behavior through code. You’ll learn how CBDCs collapse traditional banking safeguards, erase cash as an anonymous option, and forge a digital surveillance state where dissent freezes your wallet instead of sending riot police.

Drawing on decades of experience debunking techno-utopian hype, the author charts the fatal flaws of permissioned ledgers, “programmability” that becomes a legal leash, and the collapse of alternative economies once cash is marginalized. This isn’t hype; it’s policy in motion—rolled out quietly, one line of code at a time—while democracies sleepwalk through pilot programs and press releases.

If you value autonomy, privacy, and economic freedom, you must understand the stakes: programmable money is the ultimate tool for social engineering. Programmed to Obey pulls no punches. It’s a clarion call to demand transparency, insist on democratic oversight of code, and preserve the last refuges of analog exchange before they vanish. Read this book now—before your wallet becomes the most powerful shackle you’ll ever wear.